CPC "Family Capital": reviews. CPC "Family Capital": Moscow branch

When there is free money or there isa tempting offer to obtain a passive income with minimal investment, do not think long. Immediately invest your savings, and you will be happy. At least, this is what the advertising of a non-banking organization, like the CCP "Family Capital", says. But is this really the case? We will talk about this in this article.

Brief information about the company

The company "Family Capital" - this is relativelya young organization that has been operating since February 15, 2011. She specializes in financing various profitable projects, lending and providing material assistance to members of her cooperative.

According to preliminary information, among adherentsthis association is a lot of individuals and more than 30 different companies. For example, among them there are such large enterprises as the plant "Second Breath", "Medvezhyegorsk Milk Plant", agrofirma "Tuxa" and others.

At the moment, the credit consumer cooperative of citizens "Family Capital" has more than 50 branches located throughout the territory of Russia.

What is the principle of the cooperative's work?

The company "Family Capital" is working on thethe following principle: first involves the involvement of interested shareholders who make a certain cash contribution with a further prospect of accumulating interest; at the expense of this money a certain fund is formed, it also helps the members of the cooperative to receive loans for personal needs.

Credit consumer cooperative "Family"capital "does not provide loans to people who are not members of this organization. Therefore, in order to obtain a loan that is necessary for the borrower, he must initially become a member of the cooperative.

Where do the co-workers' money go?

According to the staff of the organization, a largepart of the money goes to the long-term development of the domestic agricultural sector. This is due to the fact that the majority of cooperative members are employees and owners of agro-industrial enterprises and organizations of various scales.

In addition, the credit cooperative hasa fairly large trading network, where goods and products of the same agricultural companies that are shareholders of "Family Capital" are sold. In addition, the structure of the organization fully controls the entire full production cycle. The Company owns the following assets:

• several own farms;
• processing enterprises;
• grocery stores.

Also in the organization there are experienced specialists in the field of logistics, pricing, crediting, financing, etc.

How to become a member of a cooperative?

Anyone can become a shareholder and join the credit consumer cooperative "Family Capital". To do this, you must do the following:

• to come to any nearest office of the company with a passport;
• to make a starting amount (fee for joining an organization) in the amount of 100 rubles;
• conclude a cooperation agreement;
• to make an additional amount within the limits of 500 rubles (it is carried out after the signing of the cooperation agreement).

In addition, all members of the "Family Capital" organization are required to pay an annual membership fee of 300 rubles. This should be done until the first of February next year.

"For the Motherland!" Is the income program of the cooperative

Currently, the credit cooperativethere are several programs at once, one of which is profitable. It has an original patriotic name "For the Motherland!" And provides the following parameters:

• an initial payment of 500 rubles;
• making a monthly contribution for replenishment for any amount (no less than 500 rubles);
• interest rate up to 28.9% per annum;
• term of crediting up to 42 months;
• a monthly payment of interest or at the end of the term of the loan agreement.

Profitable program "Renta"

CPC "Family Capital" offers its shareholdersand another profitable program "Rent". It also involves a contribution of 500 rubles, an interest rate of 18% per annum and a monthly interest receipt. At the same time, the receipt of interest is possible by transferring them to your settlement account in the co-operative or by issuing the necessary amount in cash through the cashier's office. The validity of such a loan agreement can be from 6 to 24 months.

The program of the cooperative "Income"

And, finally, the third program for shareholders,which the CPC "Family Capital" offers is "Income". It also operates only after the first payment by the shareholder (500 rubles), assumes an interest rate in the range of 18-20% per annum, a loan period of 6 to 12 months and the possibility of receiving interest after the contract expires.

The accumulative program "Millionaire for 500 rubles a month"

In addition to profitable, co-ops operate andaccumulative programs. For example, "Millionaire for 500 rubles." Like the previous three, it provides for the payment of a down payment, as well as additional monthly replenishment within the limits of 500-1000 rubles. The interest rate for such a program will be 15% per annum. It involves a monthly capitalization of interest and a term of up to 262 months. This is the "product" and offers its shareholders the CPC "Family Capital". Reviews about it you will read below.

For example, all 262 months the shareholder invested 500 rubles each. For the entire period of the contract, he transferred about 131,000 rubles, therefore, accumulated in the end 1,008,930 rubles.

The program "Millionaire for 1000 rubles a month"

Shareholders of the CPC "Family Capital" can takeParticipation in an alternative program. For this it is necessary, besides the desire, to make the first installment in the amount of 1000 rubles, and then necessarily make monthly 1000-10 000 rubles. The validity of such an agreement is 229 months, and the interest rate is 13% per annum. Interest on this project is charged at the end of the term of the agreement.

For example, for 229 months you transferred 229,000 rubles to members of the cooperative (1000 per month), therefore, as a result, the income was 1,007,054 rubles.

The accumulative program "Millionaire"

Proposes CPC "Family Capital" and anotherprogram of savings from the "Millionaire" series. The amount of the first installment on it is only 10,000 rubles, and the mandatory contribution paid by the shareholder monthly is from 10,000 rubles. The interest rate for such a program is 11% per annum. However, it does not provide monthly capitalization, but it presupposes early termination of the contract. The period of validity is 73 months.

For example, with a monthly transfer of an organization of 10,000 rubles for 73 months, your income will be 1,042,193 rubles.

The program for your child is "Children's Capital"

This is a unique program, since a shareholderparticipation in it is necessary to invest at first only 500 rubles and make exactly the same amount each month, and 10,000 to receive as a bonus from the cooperative. At the same time, 15% per annum will be charged for the entire amount, including the bonus. In turn, the program is funded and operates until the child turns 18 years old. This is an example of a program that operates in the CPC "Family Capital". Reviews about this organization you will see further.

"Happy Child" and "Young Millionaire" - funded programs

The "Happy Child" program is also valid until18th birthday of your child and assumes the first installment - 1000 rubles, monthly deposits of 1000 rubles and a bonus from the company for the amount of 10 000 rubles. The rate is 13% per annum.

The "Young Millionaire" assumes monthly contributions and the first contribution of 10,000 rubles, as well as a bonus from the firm for exactly the same amount. The rate is 11% per annum.

Also, members of the cooperative can easily accumulate for the following needs:

• for training (there are programs for schoolchildren, students and teenagers);
• to buy a property and a car.

The organization also runs other programs designed for young families and persons of retirement age.

Credit Cooperatives: Feedbacks

Before becoming a member of one of thenon-banking organizations, you should carefully study the reviews about it. Most often this is due to erroneous error. For example, many users are genuinely convinced of the similarity of a credit cooperative and a financial pyramid. But it is not so.

As a rule, such organizations do not havenothing to do with banks, but they operate within the framework of the law and do not violate the law. All contributions are made by shareholders on a voluntary basis. In addition, for example, in "Family Capital" they can spend the interest on personal needs by purchasing products in the cooperative's trade networks. At the same time, here they are waiting for a cumulative system of discounts and bonuses.

We open information and study creditcooperatives (reviews). For example, the most controversial things speak about the Moscow branch of the "Family Capital" cooperative. So, some say that they "bought" on advertising and promises to get easy passive income, but eventually invested money and did not see the promised. For example, one of the users wrote that he invested three years for 1000 rubles, received a discount for the purchase of goods in stores cooperative. First, only there and bought. Later, the quality of the products ceased to suit, and decided to withdraw his share. As a result, he calculated from the base deposit (1000 rubles) some dubious additional contributions in the amount of 900 rubles. and returned to the hands of only 100.

Other shareholders said that for four years alreadyparticipate in the program for young families. While percent did not receive, as it is calculated on the majority of the child. However, they are still satisfied with the loyalty of employees and transparency in the preparation of documents.

Thirdly, the appeal to thisthe organization is associated with certain risks: you invest now and a lot, but will it be possible to return your money with interest? But what do employees say about this company?

What do they say about the company in the team

Smart people say: "Do not be lazy to read, referring to the CPC" Family Capital ", reviews of employees." What do they report? For example, some ex-employees of the Moscow branch of the cooperative argue that the company operates under the license of a legal entity, therefore, it operates within the law and it is not worth to be afraid to invest money in it. Others, on the contrary, focus on the doubtfulness of the company's reputation and say that it should not be associated with it.

In a word, think and check everything three times before trusting your savings in the "Family Capital" organization. A credit consumer cooperative is always a certain risk.